Method, apparatus, and computer program product for offering and processing promotions

ABSTRACT

Embodiments of the present invention provide methods, systems, apparatuses, and computer program products for classifying merchants. In one embodiment a method is provided comprising providing, a first promotion specifying a redemption and a charge monetary values, the redemption monetary value being specified by redemption parameters of the first promotion and a value indicative of a total amount of funds purchased in response to accepting an instance of the first promotion, wherein the funds purchased can be redeemed for offerings of one or more merchants specified by the promotion, the charge monetary value being a monetary value charged for accepting the first promotion, and providing a first classification classifying the first promotion as a promotion having a redemption monetary value that may be used to purchase offerings of the one or more merchants over the course of multiple transactions.

CROSS REFERENCE TO RELATED APPLICATIONS

This application claims the benefit of U.S. Provisional Application No.62/186,541, titled, “Method, Apparatus, and Computer Program Product forOffering and Processing Promotions,” filed Jun. 30, 2015, which isincorporated by reference herein in its entirety.

BACKGROUND

The internet has transformed ways in which people communicate. Apromotional and marketing service may utilize the internet to provideconsumers with available promotions related to products, services orexperiences offered by providers that may be of interest. Applicant hasidentified a number of deficiencies and problems associated withconventional systems and methods for providing and processingpromotions. Through applied effort, ingenuity, and innovation, many ofthese identified problems have been solved by developing solutions thatare included in embodiments of the present invention, many examples ofwhich are described in detail herein.

BRIEF SUMMARY

This specification relates to offering and processing promotions.

In general, one innovative aspect of the subject matter described inthis specification can be embodied in methods that include the actionsof providing, by a first entity, a first promotion, to a first userdevice, the first promotion specifying a redemption and a chargemonetary values, the redemption monetary value being specified byredemption parameters of the first promotion and a value indicative of atotal amount of funds purchased in response to accepting an instance ofthe first promotion, wherein the funds purchased can be redeemed forofferings of one or more merchants specified by the promotion, thecharge monetary value being a monetary value charged for accepting thefirst promotion, providing a first classification classifying the firstpromotion as a promotion having a redemption monetary value that may beused to purchase offerings of the one or more merchants over the courseof multiple transactions, receiving data indicative of a first requestto purchase one or more offerings of the one or more merchants, the oneor more offering having a purchase price value that is only a portion ofthe redemption value, processing the first request, wherein theprocessing comprises: charging, against the redemption value, theportion of the redemption value, providing, to the first user device, amessage specifying a remainder of the redemption value that remainsavailable for purchasing offerings of the one or more merchants storinga third value, the third value being a portion of the portion of theredemption value and an amount of revenue allocated to the one or moremerchants in response to processing the first request, receiving dataindicative of a second request to purchase one or more differentofferings of the one or more merchants, and processing the secondrequest, wherein the processing comprises charging against the remainderof the redemption value a purchase price value for the one or moredifferent offerings of the one or more merchants.

Other embodiments of this aspect include corresponding systems,apparatus, and computer programs, configured to perform the actions ofthe methods, encoded on computer storage devices.

These and other embodiments can each optionally include one or more ofthe following features, providing, by the first entity, a secondpromotion, to the first user device, the second promotion specifying aredemption and a charge monetary values for the second promotion, theredemption monetary value for the second promotion being specified byredemption parameters of the second promotion and a value indicative ofa total amount of funds purchased in response to accepting an instanceof the second promotion, wherein the funds purchased can be redeemed forofferings of second one or more merchants specified by the promotion,the charge monetary value for the second promotion being a monetaryvalue charged for accepting the second promotion, providing a secondclassification classifying the second promotion as a promotion having aredemption monetary value that may not be used to purchase offerings ofthe second one or more merchants over the course of multipletransactions, receiving data indicative of a third request to purchaseone or more offerings of the second one or more merchants, the one ormore offering having a purchase price value that is only a portion ofthe redemption value for the second promotion, and processing the thirdrequest, wherein the processing comprises charging against theredemption value for the second promotion the entire redemption valuefor the second promotion. Storing a fourth value, the fourth value beinga portion of the redemption value for the second promotion and an amountof revenue allocated to the second one or more merchants in response toprocessing the third request. Determining a difference between theremainder of the redemption value and the purchase price value for theone or more different offerings and providing to the first user device avalue indicative of the determined difference. Receiving, from the firstuser device, a request to pay the difference between the remainder ofthe redemption value and the purchase price value for the one or moredifferent offerings, accessing payment information of a user of thefirst device, receiving authorization, from a second user device,approving the request to pay the difference between the remainder of theredemption value and the purchase price value for the one or moredifferent offerings, processing a payment amount that is, at least,equal to the determined difference, and providing a message to the firstuser device indicating the payment amount processed.

In general, another aspect of the subject matter described in thisspecification can be embodied in methods that include the actionsreceiving, from the first user device, a first request to pay a firstportion of the difference between the remainder of the redemption valueand the purchase price value for the one or more different offerings,accessing payment information of a user of the first device, receiving,from a second user device, a second request to pay a second portion ofthe difference between the remainder of the redemption value and thepurchase price value for the one or more different offerings, accessingpayment information of a user of the second device, receivingauthorization, from a third user device, approving the first and secondrequests to pay the first and second portions of the difference betweenthe remainder of the redemption value and the purchase price value forthe one or more different offerings, processing a payment amount thatis, at least, equal to the first portion of the difference, processing apayment amount that is, at least, equal to the second portion of thedifference, and providing a message to the first and the second userdevices indicating that the payment amount processed.

Other embodiments of this aspect include corresponding systems,apparatus, and computer programs, configured to perform the actions ofthe methods, encoded on computer storage devices.

In general, one innovative aspect of the subject matter described inthis specification can be embodied in methods that include the actionsof providing a first classification classifying a first promotion as apromotion having a redemption monetary value for the first promotionthat may be used to purchase offerings of one or more merchants over thecourse of multiple transactions, and classifying the first promotion asa promotion that may be used in combination with other promotions,providing a second classification classifying a second promotion as apromotion having a redemption monetary value for the second promotionthat may be used to purchase offerings of one or more merchants over thecourse of multiple transactions, and classifying the second promotion asa promotion that may be used in combination with other promotions,determining, a first remainder of the redemption value for the firstpromotion that remains available for purchasing offerings of the one ormore merchants, in response to processing one or more transactions forpurchasing offerings using the first promotion, determining, a secondremainder of the redemption value for the first promotion that remainsavailable for purchasing offerings of the one or more merchants, inresponse to processing one or more transactions for purchasing offeringsusing the second promotion, receiving, a request to combine the firstand second remainders, in response to the request, generating a thirdpromotion having a third monetary value that is the combination of thefirst remainder and the second remainder, the third monetary value beinga value that may be used to purchase offerings of one or more merchants,providing, to a first user device, a message indicating the redemptionvalue of the third promotion.

Other embodiments of this aspect include corresponding systems,apparatus, and computer programs, configured to perform the actions ofthe methods, encoded on computer storage devices.

These and other embodiments can each optionally include one or more ofthe following features. In response to generating the third promotion,voiding the first and second promotions. Receiving a request for arefund for the third promotion and in response to receiving the request:processing a refund based on the third monetary value, voiding the thirdpromotion, providing a message to the first user device indicatingsuccessful processing of the refund based on the third monetary valueand specifying the third monetary value and a refund amount.

Particular embodiments of the subject matter described in thisspecification can be implemented so as to realize one or more of thefollowing advantages. Eliminating or reducing the promotion and paymentprocessing required by merchant machines. Provide means for consumers toredeem promotions and process payments through the promotional service,in turn, reduces the processing power requirement of the merchantdevices. As processing operations would be otherwise performed bymerchant devices, the stress on the merchant devices is reduced. Inturn, this reduces reliance on third party services and software, andreduces the number of overall products that merchants rely on tomaintain consumer relationships with respect to promotions.

The details of one or more embodiments of the subject matter describedin this specification are set forth in the accompanying drawings and thedescription below. Other features, aspects, and advantages of thesubject matter will become apparent from the description, the drawings,and the claims.

BRIEF DESCRIPTION OF THE DRAWINGS

Having thus described the invention in general terms, reference will nowbe made to the accompanying drawings, which are not necessarily drawn toscale, and wherein:

FIG. 1 is an overview of an example system that can be used to practiceembodiments of the present invention;

FIG. 2 is an exemplary schematic diagram of a computing entity accordingto one embodiment of the present invention;

FIGS. 3A-3B exemplary data flows illustrating interactions between aserver, one or more consumer devices, and one or more merchant devices;

FIGS. 4A-4C, and 6-11 are flow charts illustrating various proceduresand operations that may be completed in accordance with variousembodiments of the present invention; and

FIG. 5 depicts an example user interface for purchasing and redeemingpromotions according to embodiments of the invention.

FIG. 12 illustrates an exemplary random forest model.

DETAILED DESCRIPTION OF VARIOUS EMBODIMENTS

Various embodiments of the present invention now will be described morefully hereinafter with reference to the accompanying drawings, in whichsome, but not all embodiments of the inventions are shown. Indeed, theseinventions may be embodied in many different forms and should not beconstrued as limited to the embodiments set forth herein; rather, theseembodiments are provided so that this disclosure will satisfy applicablelegal requirements. The term “or” is used herein in both the alternativeand conjunctive sense, unless otherwise indicated. The terms“illustrative” and “exemplary” are used to be examples with noindication of quality level. Like numbers refer to like elementsthroughout.

Overview

This invention generally relates to offering and processing ofpromotions. For example, the methods, apparatus and computer programproducts described herein are operable to allow customers to redeempromotions over the course of multiple transactions. For example, somepromotions may be offered to consumers with a classification specifyingthat each promotion has a monetary value that may be redeemed over thecourse of multiple transactions. Other promotions may be offered with aclassification specifying that the promotions may not be redeemed overthe course of multiple transactions. This allows the promotional serviceto offer promotions to consumers that are better suited for theconsumers' needs.

Because analysis shows that some consumers shy away from purchasingpromotions because the promotions cannot be redeemed over the course ofmultiple transactions, allowing the consumers to redeem promotions overthe course of multiple transactions would result in more purchases ofpromotions and, in turn, more revenue.

In one example, a promotional service offering the promotions describedabove, may process payments for consumers purchasing goods or servicesfrom a merchant. For example, the promotional service may allowconsumers to redeem a promotion electronically using a mobile device.Similarly, the promotional service may also allow the user to pay forany additional charges owed to the merchant electronically. In turn, thepromotional service transfers, at least, a portion of the processedpayment to the merchant. In one example, when a user makes a purchasethat does not use all of the monetary value of a promotion classified asa promotion that may be redeemed over the course of multipletransactions, the remainder of the monetary value is stored at thepromotional service for later redemption by the consumer. Thepromotional service may provide a message to the consumer indicating theremainder of the monetary value that remains available for redemption.In some implementations, the promotional service may issue a newpromotion having a redemption value matching of the remainder.

In one example, two or more users may each use a different promotion toredeem or purchase an offering that may be shared by the two or moreusers (e.g., restaurant meal). Similarly, the two or more users mayshare paying for overage charges, using their respective mobile devices.In one example, the promotional service may verify that each request toredeem one or more offerings using a promotion is for an offeringallowed by the redemption parameter of said promotion. In someimplementations, the promotional service may allow combining of portionsof two or more promotions.

In some implementations, the promotional service may dynamicallyreclassify promotions to increase the sales of said promotions. Forexample, the promotional service may reclassify a promotion that is notallowed for redemption over the course of multiple transactions, aspromotion that is allowed for redemption over the course of multipletransactions, in order to enhance the performance of the promotion. Insome implementations, the promotional service may dynamically reclassifypromotions to increase the likelihood of a particular consumerpurchasing the promotion. In one example, different consumers mayreceive the same promotion classified with a different classification.

Definitions

As used herein, the terms “data,” “content,” “information,” and similarterms may be used interchangeably to refer to data capable of beingtransmitted, received, and/or stored in accordance with embodiments ofthe present invention. Thus, use of any such terms should not be takento limit the spirit and scope of embodiments of the present invention.Further, where a computing device is described herein to receive datafrom another computing device, it will be appreciated that the data maybe received directly from another computing device or may be receivedindirectly via one or more intermediary computing devices, such as, forexample, one or more servers, relays, routers, network access points,base stations, hosts, and/or the like, sometimes referred to herein as a“network.” Similarly, where a computing device is described herein tosend data to another computing device, it will be appreciated that thedata may be sent directly to another computing device or may be sentindirectly via one or more intermediary computing devices, such as, forexample, one or more servers, relays, routers, network access points,base stations, hosts, and/or the like.

As used herein, the term “promotion and marketing service” may include aservice that is accessible via one or more computing devices and that isoperable to provide promotion and/or marketing services on behalf of oneor more providers that are offering one or more instruments that areredeemable for goods, services, experiences and/or the like. In someexamples, the promotion and marketing service may take the form of aredemption authority, a payment processor, a rewards provider, an entityin a financial network, a promoter, an agent and/or the like. As such,the service is, in some example embodiments, configured to present oneor more promotions via one or more impressions, accept payments forpromotions from consumers, issue instruments upon acceptance of an offeror a promotion, participate in redemption, generate rewards, provide apoint of sale device or service, issue payments to providers and/orotherwise participate in the exchange of goods, services or experiencesfor currency, value and/or the like. The service is also, in someexample embodiments, configured to offer merchant services such aspromotion building (e.g., assisting merchants with selecting parametersfor newly created promotions), promotion counseling (e.g., offeringinformation to merchants to assist with using promotions as marketing),promotion analytics (e.g., offering information to merchants to providedata and analysis regarding the costs and return-on-investmentassociated with offering promotions), and the like.

As used herein, the terms “provider” and “merchant” may be usedinterchangeably and may include, but are not limited to, a businessowner, consigner, shopkeeper, tradesperson, vendor, operator,entrepreneur, agent, dealer, organization or the like that is in thebusiness of providing a good, service or experience to a consumer,facilitating the provision of a good service or experience to a consumerand/or otherwise operating in the stream of commerce. The “provider” or“merchant” need not actually market a product or service via thepromotion and marketing service, as some merchants or providers mayutilize the promotion and marketing service only for the purpose ofgathering marketing information, demographic information, or the like.

As used herein, the term “consumer” should be understood to refer to arecipient of goods, services, promotions, media, or the like provided bythe promotion and marketing service and/or a merchant. Consumers mayinclude, without limitation, individuals, groups of individuals,corporations, other merchants, and the like. The terms “user” and“consumer” may be used interchangeably through portions of thisspecification.

As used herein, the term “promotion” may include, but is not limited to,any type of offered, presented or otherwise indicated reward, discount,coupon, credit, deal, incentive, discount, media or the like that isindicative of a promotional value or the like that upon purchase oracceptance results in the issuance of an instrument that may be usedtoward at least a portion of the purchase of particular goods, servicesand/or experiences defined by the promotion. Promotions may havedifferent values in different contexts. For example, a promotion mayhave a first value associated with the cost paid by a consumer, known asan “accepted value.” When redeemed, the promotion may be used topurchase a “promotional value” representing the retail price of thegoods. The promotion may also have a “residual value,” reflecting theremaining value of the promotion after expiration. Although consumersmay be primarily focused on the accepted and promotional value of thepromotion, a promotion may also have additional associated values. Forexample, a “cost value” may represent the cost to the merchant to offerthe promotion via the promotion and marketing service, where thepromotion and marketing service receives the cost value for eachpromotion sold to a consumer. The promotion may also include a “returnon investment” value, representing a quantified expected return oninvestment to the merchant for each promotion sold.

For example, consider a promotion offered by the promotion and marketingservice for a $50 meal promotion for $25 at a particular restaurant. Inthis example, $25 would be the accepted value charged to the consumer.The consumer would then be able to redeem the promotion at therestaurant for $50 applied toward their meal check. This $50 would bethe promotional value of the promotion. If the consumer did not use thepromotion before expiration, the consumer might be able to obtain arefund of $22.50, representing a 10% fee to recoup transaction costs forthe merchant and/or promotion and marketing service. This $22.50 wouldbe the residual value of the promotion. If the promotion and marketingservice charged the merchant $3.00 to offer the promotion, the $3.00 feewould be the “cost value.” The “return on investment” value of thepromotion might be dynamically calculated by the promotion and marketingservice based on the expected repeat business generated by the marketingof the promotion, the particular location, the demographics of theconsumer, and the like. For example, the return on investment valuemight be $10.00, reflecting the long term additional profit expected bythe merchant as a result of bringing in a new customer through use of apromotion.

Promotions may be provided to consumers and redeemed via the use of an“instrument.” Instruments may represent and embody the terms of thepromotion from which the instrument resulted. For example, instrumentsmay include, but are not limited to, any type of physical token (e.g.,magnetic strip cards or printed barcodes), virtual account balance(e.g., a promotion being associated with a particular user account on amerchant website), secret code (e.g., a character string that can beentered on a merchant website or point-of-sale), tender, electroniccertificate, medium of exchange, voucher, or the like, which may be usedin a transaction for at least a portion of the purchase, acquisition,procurement, consumption or the like of goods, services and/orexperiences as defined by the terms of the promotion.

In some examples, the instrument may take the form of tender that has agiven value that is exchangeable for goods, services and/or experiencesand/or a reduction in a purchase price of a particular good, service orexperience. In some examples, the instrument may have multiple values,such as accepted value, a promotional value and/or a residual value. Forexample, using the aforementioned restaurant as the example provider, anelectronic indication in a mobile application that shows $50 of value tobe used as payment for a meal check at the restaurant. In some examples,the accepted value of the instrument is defined by the value exchangedfor the instrument. In some examples, the promotional value is definedby the promotion from which the instrument resulted and is the value ofthe instrument beyond the accepted value. In some examples, the residualvalue is the value after redemption, the value after the expiry or otherviolation of a redemption parameter, the return or exchange value of theinstrument and/or the like.

As used herein, the terms “redemption” and “purchase” refer to the use,exchange or other presentation of an instrument for at least a portionof a good, service or experience as defined by the instrument and itsrelated promotion. In some examples, redemption includes theverification of validity of the instrument. In other exampleembodiments, redemption may include an indication that a particularinstrument has been redeemed and thus no longer retains an actual,promotional and/or residual value (e.g., full redemption). In otherexample embodiments, redemption may include the redemption of at least aportion of its actual, promotional and/or residual value (e.g., partialredemption). An example of redemption, using the aforementionedrestaurant as the example provider, is the exchange of the $50instrument and $50 to settle a $100 meal check.

As used herein, the term “impression” refers to a metric for measuringhow frequently consumers are provided with marketing information relatedto a particular good, service, or promotion. Impressions may be measuredin various different manners, including, but not limited to, measuringthe frequency with which content is served to a consumer (e.g., thenumber of times images, websites, or the like are requested byconsumers), measuring the frequency with which electronic marketingcommunications including particular content are sent to consumers (e.g.,a number of e-mails sent to consumers or number of e-mails includingparticular promotion content), measuring the frequency with whichelectronic marketing communications are received by consumers (e.g., anumber of times a particular e-mail is read), or the like. Impressionsmay be provided through various forms of media, including but notlimited to communications, displays, or other perceived indications,such as e-mails, text messages, application alerts, mobile applications,other type of electronic interface or distribution channel and/or thelike, of one or more promotions.

As used herein, the term “electronic marketing information” refers tovarious electronic data and signals that may be interpreted by apromotion and marketing service to provide improved electronic marketingcommunications. Electronic marketing information may include, withoutlimitation, clickstream data (defined below), transaction data (definedbelow), location data (defined below), communication channel data(defined below), discretionary data (defined below), or any other datastored by or received by the promotion and marketing service for use inproviding electronic communications to consumers.

As used herein, the term “clickstream data” refers to electronicinformation indicating content viewed, accessed, edited, or retrieved byconsumers. This information may be electronically processed and analyzedby a promotion and marketing service to improve the quality ofelectronic marketing and commerce transactions offered by, through, andin conjunction with the promotion and marketing service. It should beunderstood that the term “clickstream” is not intended to be limited tomouse clicks. For example, the clickstream data may include variousother consumer interactions, including without limitation, mouse-overevents and durations, the amount of time spent by the consumer viewingparticular content, the rate at which impressions of particular contentresult in sales associated with that content, demographic informationassociated with each particular consumer, data indicating other contentaccessed by the consumer (e.g., browser cookie data), the time or dateon which content was accessed, the frequency of impressions forparticular content, associations between particular consumers orconsumer demographics and particular impressions, and/or the like.

As used herein, the term “transaction data” refers to electronicinformation indicating that a transaction is occurring or has occurredvia either a merchant or the promotion and marketing service.Transaction data may also include information relating to thetransaction. For example, transaction data may include consumer paymentor billing information, consumer shipping information, items purchasedby the consumer, a merchant rewards account number associated with theconsumer, the type of shipping selected by the consumer for fulfillmentof the transaction, or the like.

As used herein, the term “location data” refers to electronicinformation indicating a particular location. Location data may beassociated with a consumer, a merchant, or any other entity capable ofinteraction with the promotion and marketing service. For example, insome embodiments location data is provided by a location services moduleof a consumer mobile device. In some embodiments, location data may beprovided by a merchant indicating the location of consumers within theirretail location. In some embodiments, location data may be provided bymerchants to indicate the current location of the merchant (e.g., a foodtruck or delivery service). It should be appreciated that location datamay be provided by various systems capable of determining locationinformation, including, but not limited to, global positioning servicereceivers, indoor navigation systems, cellular tower triangulationtechniques, video surveillance systems, or radio frequencyidentification (RFID) location systems. Throughout this specification,the terms “user device” and “consumer device” may be usedinterchangeably.

As used herein, the term “communication channel data” refers toelectronic information relating to the particular device orcommunication channel upon which a merchant or consumer communicateswith the promotion and marketing service. In this regard, communicationchannel data may include the type of device used by the consumer ormerchant (e.g., smart phone, desktop computer, laptop, netbook, tabletcomputer), the Internet Protocol (IP) address of the device, theavailable bandwidth of a connection, login credentials used to accessthe channel (e.g., a user account and/or password for accessing thepromotion and marketing service), or any other data pertaining to thecommunication channel between the promotion and marketing service and anentity external to the promotion and marketing service.

As used herein, the term “discretionary data” refers to electronicinformation provided by a merchant or consumer explicitly to thepromotion and marketing service in support of improved interaction withthe promotion and marketing service. Upon registering with the promotionand marketing service or at any time thereafter, the consumer ormerchant may be invited to provide information that aids the promotionand marketing service in providing services that are targeted to theparticular needs of the consumer or merchant. For example, a consumermay indicate interests, hobbies, their age, gender, or location whencreating a new account. A merchant may indicate the type of goods orservices provided, their retail storefront location, contactinformation, hours of operation, or the like.

It should be appreciated that the term “discretionary data” is intendedto refer to information voluntarily and explicitly provided to thepromotion and marketing service, such as by completing a form or surveyon a website or application hosted by the promotion and marketingservice. However, it should be appreciated that the examples ofdiscretionary data provided above may also be determined implicitly orthrough review or analysis of other electronic marketing informationprovided to the promotion and marketing service. It should also beappreciated that the promotion and marketing service may also grantaccess to certain features or tools based on whether certaindiscretionary data has been provided. For example, the consumer may berequired to provide information relating to their interests or locationduring a registration process.

As used herein, the term “offering parameters” refers to terms andconditions under which the promotion is offered by a promotion andmarketing service to consumers. These offering parameters may includeparameters, bounds, considerations and/or the like that outline orotherwise define the terms, timing, constraints, limitations, rules orthe like under which the promotion is sold, offered, marketed, orotherwise provided to consumers. Example offering parameters include,using the aforementioned restaurant as the example provider, limited toone instrument per person, total of 100 instruments to be issued, a runduration of when the promotion will be marketed via the promotion andmarketing service, and parameters for identifying consumers to beoffered the promotion (e.g., factors influencing how consumer locationsare used to offer a promotion).

As used herein, the term “redemption parameters” refers to terms andconditions for redeeming or otherwise obtaining the benefit ofpromotions obtained from a promotion and marketing service. Theredemption parameters may include parameters, bounds, considerationsand/or the like that outline the term, timing, constraints, limitations,rules or the like for how and/or when an instrument may be redeemed. Forexample, the redemption parameters may include an indication that theinstrument must be redeemed prior to a specified deadline, for aspecific good, service or experience and/or the like. For example, usingthe aforementioned restaurant as the example provider, the redemptionparameters may specify a limit of one instrument per visit, that thepromotion must be used in-store only, or that the promotion must be usedby a certain date. The redemption parameters may also include monetaryvalues associated with the promotion. For example, a “redemption value”or a “redemption monetary value” may specify a monetary value for thepromotion that may be used to redeemed goods and services offered byspecified merchants. Similarly, a “charge value” or a “charge monetaryvalue” may specify a monetary value charged for purchasing a promotion.For example, a promotion offering a 50% discount may have a charge valueof $10 and redemption value of $20.

As used herein, the term “promotion content” refers to display factorsor features that influence how the promotion is displayed to consumers.For example, promotion content may include an image associated with thepromotion, a narrative description of the promotion or the merchant, adisplay template for association with the promotion, or the like. Forexample, merchant self-service indicators (defined below) may be used toidentify promotion offers that were generated by merchants with similarcharacteristics to the merchant self-service indicators. Various otherfactors may be used to generate the promotion offer, such as the successof the promotion offers generated by the merchants with similarcharacteristics, the product availability of the merchant, and the like.

As used herein, the term “promotion component” is used to refer toelements of a particular promotion that may be selected during apromotion generation process. Promotion components may include anyaspect of a promotion, including, but not necessarily limited to,offering parameters, redemption parameters, and promotion content. Forexample, promotion components may include, but are not limited to,promotion titles, promotion ledes (e.g., a short text phrase displayedunder a promotion title), promotion images, promotion prices, promotiondiscount levels, promotion style sheets, promotion fonts, promotione-mail subjects, promotion quantities, promotion fine print options,promotion fees assessed to the merchant by the promotion and marketingservice, or the like. Promotion components may also include variousflags and settings associated with registration and verificationfunctions for a merchant offering the promotion, such as whether theidentity of the merchant has been verified, whether the merchant isregistered with the promotion and marketing service, or the like.

As used herein, the term “electronic marketing communication” refers toany electronically generated information content provided by thepromotion and marketing service to a consumer for the purpose ofmarketing a promotion, good, or service to the consumer. Electronicmarketing communications may include any email, short message service(SMS) message, web page, application interface, or the like,electronically generated for the purpose of attempting to sell or raiseawareness of a product, service, promotion, or merchant to the consumer.

It should be appreciated that the term “electronic marketingcommunication” implies and requires some portion of the content of thecommunication to be generated via an electronic process. For example, atelephone call made from an employee of the promotion and marketingservice to a consumer for the purpose of selling a product or servicewould not qualify as an electronic marketing communication, even if theidentity of the call recipient was selected by an electronic process andthe call was dialed electronically, as the content of the telephone callis not generated in an electronic manner. However, a so-called“robo-call” with content programmatically selected, generated, orrecorded via an electronic process and initiated by an electronic systemto notify a consumer of a particular product, service, or promotionwould qualify as an electronic marketing communication. Similarly, amanually drafted e-mail sent from an employee of the promotion andmarketing service to a consumer for the purpose of marketing a productwould not qualify as an electronic marketing communication. However, aprogrammatically generated email including marketing materialsprogrammatically selected based on electronic marketing informationassociated with the recipient would qualify as an electronic marketingcommunication.

As used herein, the term “business analytic data” refers to datagenerated by the promotion and marketing service based on electronicmarketing information to assist with the operation of the promotion andmarketing service and/or one or more merchants. The various streams ofelectronic marketing information provided to and by the promotion andmarketing service allow for the use of sophisticated data analysistechniques that may be employed to identify correlations, relationships,and other associations among elements of electronic marketinginformation. These associations may be processed and formatted by thepromotion and marketing service to provide reports, recommendations, andservices both internal to the promotion and marketing service and tomerchants in order to improve the process by which merchants andpromotion and marketing service engage with consumers. For example, thepromotion and marketing service may analyze the electronic marketinginformation to identify an increased demand for a particular product orservice, and provide an electronic report to a merchant suggesting themerchant offer the particular product or service. Alternatively, thepromotion and marketing service may identify that a particular productor service is not selling well or that sales of the product or serviceresult in the merchant losing money, customers, or market share (e.g.,after consumers order a particular menu item, they never come back tothe merchant), and suggest that the merchant should discontinue offeringthat product or service.

It should be appreciated that the term “business analytic data” isintended to refer to electronically and programmatically generated data.For example, a printed report or letter manually drafted by an employeeof the promotion and marketing service would not be said to includebusiness analytic data, even if said data was used by the employeeduring the drafting process, while a data disk or downloaded filecontaining analytics generated by the promotion and marketing servicewould be considered business analytic data.

As used herein, the terms “merchant self-service indicator” and“promotion context” relate to data associated with the merchant that maybe used to classify the merchant or suggest promotion components to themerchant. A promotion context may include a plurality of merchantself-service indicators. For example, a promotion context may includemultiple merchant self-service indicators that describe various featuresor characteristics of the merchant, such as a the type of industry ofthe merchant, the type of products or services sold by the merchant, thesize of the merchant, the location of the merchant, the sales volume ofthe merchant, reviews and ratings for the merchant, or the like.

In some embodiments, the merchant self-service indicators are a resultof analytics that allow for generation of promotions that are ideal forthe particular merchant's circumstances. For example, the merchantself-service indicators may be used to identify optimal promotions forthe particular merchant based on their exact location (e.g., theparticular city street of the merchant as opposed to a wider range, suchas a zip code or GPS coordinates), the merchant's exact products andservices offered (e.g., pizzerias that only serve deep dish pizza,restaurants that become nightclubs after 11:00 pm), the merchant's pricepoint (e.g., barbershops that charge more than $20 for a haircut), orthe date or season of the year (e.g., offering ski equipment during thewinter, or holiday themed promotions during the holiday season), or thelike. These merchant self-service indicators may be used in aself-service process to identify promotion components that were used byother merchants that share one or more same or similar merchantself-service indicators. For example, after initial registration andverification, the promotion and marketing service may identify themerchant self-service indicators associated with the newly registeredmerchant, such as by looking up the merchant in a merchant database orby receiving the merchant self-service indicators directly from themerchant (e.g., by a fillable form). The merchant self-serviceindicators and promotion contexts may be used for classification ofmerchants. For example, such attributes may be used to identify whethera promotion for a specific merchant is likely to satisfy consumers(e.g., the promotion has 70% chance to satisfy consumers). It should beappreciated that the term “programmatically expected” indicates machineprediction of occurrence of certain events. For example, a“programmatically expected” number of satisfied users is a numberdetermined by machine prediction specifying the expected number of usersthat will be satisfied with a promotion.

As used herein, the term “likelihood” refers to a measure of probabilityfor occurrence of a particular event. For example, the likelihood that acustomer is satisfied with a promotion may be a value associated with aspecific scale. In some implementations, the machine predictionsdiscussed above are based, at least in part, on the “likelihood” that anevent will occur. Similarly, in some implementations, machinepredictions are based on attributes associated with a merchant and anassociated merchant promotion.

It should be appreciated that the terms “refund,” “return,” and“termination of an accepted promotion” imply canceling/reversal of apromotion that was accepted. For example, a user terminating, returning,and/or requesting a refund for an accepted promotion may be described bythe act of returning goods or services received while requesting returnof a purchase price for the promotion. In some implementations, the usermay merely return, cancel, or void an electronic voucher or tender for aservice or goods in exchange for a refund of a price paid by the userfor an associated promotion.

As used herein, the term “offerings” refers to goods, services,experiences or the like that are offered by an entity. For example, amerchant may offer a wide variety of offerings including tangible goods(e.g., food items, camping equipment, clothing), services (e.g., carservices, hair salon services, spa services), or experiences (e.g.,movies, theme parks, concerts).

Technical Underpinnings and Implementation of Exemplary Embodiments

Merchants, including manufacturers, wholesalers, and retailers, havespent a tremendous amount of time, money, manpower, and other resourcesto determine the best way to market their products to consumers. Whethera given marketing effort is successful is often determined based on thereturn-on-investment offered to the merchant from increased awareness,sales, and the like, of the merchant's goods and services in exchangefor the resources spent on the marketing effort. In other words, optimalmarketing techniques generally maximize the benefit to the merchant'sbottom line while minimizing the cost spent on marketing. To this end, amerchant's marketing budget may be spent in a variety of differentmanners including advertising, offering of discounts, conducting marketresearch, and various other known marketing techniques. The end goal ofthese activities is to ensure that products are presented to consumersin a manner that maximizes the likelihood that the consumers willpurchase the product from the merchant that performed the marketingactivities while minimizing the expense of the marketing effort.

The advent of electronic commerce has revolutionized the marketingprocess. While merchants would typically have to perform costly marketresearch such as focus groups, surveys, and the like to obtain detailedinformation on consumer preferences and demographics, the digital agehas provided a wealth of new consumer information that may be used tooptimize the marketing and sales process.

However, these promotion and marketing services are not withoutproblems. Although, the above provide means for providing consumers withtailored promotions, the inventors have determined that specific aspectsof promotions can detrimentally affect the consumers' satisfaction. Forexample, redemption parameters for promotions that limit the ability toredeem a portion of the promotion can generally reduce the consumersatisfaction and, in turn, the number of promotions sold. The inventorshave determined that existing techniques may not always leverage thisinformation in an efficient or accurate manner. Technology continues torapidly advance in this field offering improvements that enhance theconsumer experience. Electronic marketing services continue to evolveand provide improved methods for engaging consumers and spreadingawareness of products offered by promotion and marketing services.

In many cases, the inventors have determined that these services areconstrained by technological obstacles unique to the electronic natureof the services provided, such as constraints redeeming a promotion overthe course of multiple transactions, redeeming two or more promotionsbelonging to different consumers simultaneously, redeeming promotionsand paying for overage charges using a single interface on a singledevice, providing means for determining remainder redemption values of apromotion, authorizing use of a promotion according to the promotion'sredemption parameters. The inventors have identified that theseconstraints are not contemplated in the world of paper coupons, as theseconstraints cannot be overcome with respect to paper coupons andprocessing systems. For example, paper coupons are redeemed by markingthem as used or by collecting the coupon itself without anycommunication with the promotion and marketing service. The inventorshave further determined that such technological methods that leverageoffering and processing of paper coupons fail to address problemsassociated with the ability to create a live connection between consumerdevices and the promotional and marketing service, and the abilityintegrate with point of sale, so as to redeem a portion of promotions.Embodiments of the present invention as described herein serve tocorrect these errors and offer improved resource utilization, thusproviding improvements to electronic offering and processing thataddress problems arising out of the electronic nature of those services.

The inventors have identified that the offering promotions that cannotbe redeemed over the course of multiple transactions causes someconsumers to avoid purchasing promotions. On many occasions, the valueof a promotion exceeds the value of goods and/or services that are ofinterest to consumers. As a result, consumers are often forced to eitherforfeit a portion of their voucher or purchase items that are not ofinterest. This degrades the consumer experience, and results in reducedconsumer interest in promotions. The inventors have also identified thatallowing consumers to redeem their promotions and pay for any additionalcharges electronically, using their mobile devices, can greatly improvesthe consumers' experience. However, these processing features arelacking in current processing systems, as described.

The inventors have therefore determined that existing electronic systemsfor offering and processing of promotions fails to efficiently addressthese issues. As a result of these problems and others that may arisefrom time to time, delays and inefficiencies may be introduced into theoffering and processing of promotions process, which in turn may bereflected on consumer satisfaction and overall revenue generated. Theinventors identified an offering and processing methodologies that allowconsumers to redeem promotions electronically over the course ofmultiple transactions as well as process payments owed to merchantselectronically. As result, the predictions and classifications above maybe utilized to significantly improve the consumer experience, themerchant experience, and increase the overall revenue associated withoffering promotions.

System Architecture and Example Apparatus

Methods, apparatuses, and computer program products of the presentinvention may be embodied by any of a variety of devices. For example,the method, apparatus, and computer program product of an exampleembodiment may be embodied by a networked device, such as a server orother network entity, configured to communicate with one or moredevices, such as one or more client devices. Additionally oralternatively, the computing device may include fixed computing devices,such as a personal computer or a computer workstation. Still further,example embodiments may be embodied by any of a variety of mobileterminals, such as a portable digital assistant (PDA), mobile telephone,smartphone, laptop computer, tablet computer, or any combination of theaforementioned devices.

In this regard, FIG. 1 discloses an example computing system withinwhich embodiments of the present invention may operate. Merchants mayaccess a promotion and marketing service 102 via a network 112 (e.g.,the Internet, or the like) using computer devices 108A through 108N and110A through 110N, respectively (e.g., one or more consumer devices108A-108N or one or more merchant devices 110A-110N). Moreover, thepromotion and marketing service 102 may comprise a server 104 incommunication with a database 106.

The server 104 may be embodied as a computer or computers as known inthe art. The server 104 may provide for receiving of electronic datafrom various sources, including but not necessarily limited to theconsumer devices 108A-108N and the merchant devices 110A-110N. Forexample, the server 104 may be operable to receive and processclickstream data provided by the consumer devices 108 and/or themerchant devices 110. The server 104 may also facilitate e-commercetransactions based on transaction information provided by the consumerdevices 108 and/or the merchant devices 110. The server 104 mayfacilitate the generation and providing of various electroniccommunications and marketing materials based on the received electronicdata.

The database 106 may be embodied as a data storage device such as aNetwork Attached Storage (NAS) device or devices, or as a separatedatabase server or servers. The database 106 includes informationaccessed and stored by the server 104 to facilitate the operations ofthe promotion and marketing service 102. For example, the database 106may include, without limitation, user account credentials for systemadministrators, merchants, and consumers, data indicating the productsand promotions offered by the promotion and marketing service,clickstream data, analytic results, reports, financial data, and/or thelike.

The consumer devices 108A-108N may be any computing device as known inthe art and operated by a consumer. Electronic data received by theserver 104 from the consumer devices 108A-108N may be provided invarious forms and via various methods. For example, the consumer devices108A-108N may include desktop computers, laptop computers, smartphones,netbooks, tablet computers, wearables, and the like. The information maybe provided through various sources on these consumer devices.

In embodiments where a consumer device 108 is a mobile device, such as asmart phone or tablet, the consumer device 108 may execute an “app” tointeract with the promotion and marketing service 102. Such apps aretypically designed to execute on mobile devices, such as tablets orsmartphones. For example, an app may be provided that executes on mobiledevice operating systems such as Apple Inc.'s iOS®, Google Inc.'sAndroid®, or Microsoft Inc.'s Windows 8®. These platforms typicallyprovide frameworks that allow apps to communicate with one another andwith particular hardware and software components of mobile devices. Forexample, the mobile operating systems named above each provideframeworks for interacting with location services circuitry, wired andwireless network interfaces, user contacts, and other applications in amanner that allows for improved interactions between apps while alsopreserving the privacy and security of consumers. In some embodiments, amobile operating system may also provide for improved communicationinterfaces for interacting with external devices (e.g., home automationsystems, indoor navigation systems, and the like). Communication withhardware and software modules executing outside of the app is typicallyprovided via application programming interfaces (APIs) provided by themobile device operating system.

The promotion and marketing service 102 may leverage the applicationframework offered by the mobile operating system to allow consumers todesignate which information is provided to the app and which may then beprovided to the promotion and marketing service 102. In someembodiments, consumers may “opt in” to provide particular data to thepromotion and marketing service 102 in exchange for a benefit, such asimproved relevancy of marketing communications offered to the user. Insome embodiments, the consumer may be provided with privacy informationand other terms and conditions related to the information provided tothe promotion and marketing service 102 during installation or use ofthe app. Once the consumer provides access to a particular feature ofthe mobile device, information derived from that feature may be providedto the promotion and marketing service 102 to improve the quality of theconsumer's interactions with the promotion and marketing service.

For example, the consumer may indicate that they wish to providelocation information to the app from location services circuitryincluded in their mobile device. Providing this information to thepromotion and marketing service 102 may enable the promotion andmarketing service 102 to offer promotions to the consumer that arerelevant to the particular location of the consumer (e.g., by providingpromotions for merchants proximate to the consumer's current location).It should be appreciated that the various mobile device operatingsystems may provide the ability to regulate the information provided tothe app associated with the promotion and marketing service 102. Forexample, the consumer may decide at a later point to disable the abilityof the app to access the location services circuitry, thus limiting theaccess of the consumer's location information to the promotion andmarketing service 102.

Various other types of information may also be provided in conjunctionwith an app executing on the consumer's mobile device. For example, ifthe mobile device includes a social networking feature, the consumer mayenable the app to provide updates to the consumer's social network tonotify friends of a particularly interesting promotion. It should beappreciated that the use of mobile technology and associated appframeworks may provide for particularly unique and beneficial uses ofthe promotion and marketing service through leveraging the functionalityoffered by the various mobile operating systems.

Additionally or alternatively, the consumer device 108 may interactthrough the promotion and marketing service 102 via a web browser. Asyet another example, the consumer device 108 may include varioushardware or firmware designed to interface with the promotion andmarketing service 102 (e.g., where the consumer device 108 is apurpose-built device offered for the primary purpose of communicatingwith the promotion and marketing service 102, such as a store kiosk).

The merchant devices 110A-110N may be any computing device as known inthe art and operated by a merchant. For example, the merchant devices110A-110N may include a merchant point-of-sale, a merchant e-commerceserver, a merchant inventory system, or a computing device accessing aweb site designed to provide merchant access (e.g., by accessing a webpage via a browser using a set of merchant account credentials).Electronic data received by the promotion and marketing service 102 fromthe merchant devices 110A-110N may also be provided in various forms andvia various methods. For example, the merchant devices 110A-110N mayprovide real-time transaction and/or inventory information as purchasesare made from the merchant. In other embodiments, the merchant devices110A-110N may be employed to provide information to the promotion andmarketing service 102 to enable the promotion and marketing service 102to generate promotions or other marketing information to be provided toconsumers.

An example of a data flow for exchanging electronic information amongone or more consumer devices, merchant devices, and the promotion andmarketing service is described below with respect to FIG. 3.

Example Apparatus for Implementing Embodiments of the Present Invention

The server 104 may be embodied by one or more computing systems, such asapparatus 200 shown in FIG. 2. As illustrated in FIG. 2, the apparatus200 may include a processor 202, a memory 204, input/output circuitry206, communications circuitry 208, promotion management circuitry 210,promotion classification circuitry 212, and promotion payment processingcircuitry 214. The apparatus 200 may be configured to execute theoperations described above with respect to FIG. 1 and below with respectto FIGS. 3-10. Although these components 202-214 are described withrespect to functional limitations, it should be understood that theparticular implementations necessarily include the use of particularhardware. It should also be understood that certain of these components202-214 may include similar or common hardware. For example, two sets ofcircuitry may both leverage use of the same processor, networkinterface, storage medium, or the like to perform their associatedfunctions, such that duplicate hardware is not required for each set ofcircuitry. The use of the term “circuitry” as used herein with respectto components of the apparatus should therefore be understood to includeparticular hardware configured to perform the functions associated withthe particular circuitry as described herein.

The term “circuitry” should be understood broadly to include hardwareand, in some embodiments, software for configuring the hardware. Forexample, in some embodiments, “circuitry” may include processingcircuitry, storage media, network interfaces, input/output devices, andthe like. In some embodiments, other elements of the apparatus 200 mayprovide or supplement the functionality of particular circuitry. Forexample, the processor 202 may provide processing functionality, thememory 204 may provide storage functionality, the communicationscircuitry 208 may provide network interface functionality, and the like.

In some embodiments, the processor 202 (and/or co-processor or any otherprocessing circuitry assisting or otherwise associated with theprocessor) may be in communication with the memory 204 via a bus forpassing information among components of the apparatus. The memory 204may be non-transitory and may include, for example, one or more volatileand/or non-volatile memories. In other words, for example, the memorymay be an electronic storage device (e.g., a computer readable storagemedium). The memory 204 may be configured to store information, data,content, applications, instructions, or the like, for enabling theapparatus to carry out various functions in accordance with exampleembodiments of the present invention.

The processor 202 may be embodied in a number of different ways and may,for example, include one or more processing devices configured toperform independently. Additionally or alternatively, the processor mayinclude one or more processors configured in tandem via a bus to enableindependent execution of instructions, pipelining, and/ormultithreading. The use of the term “processing circuitry” may beunderstood to include a single core processor, a multi-core processor,multiple processors internal to the apparatus, and/or remote or “cloud”processors.

In an example embodiment, the processor 202 may be configured to executeinstructions stored in the memory 204 or otherwise accessible to theprocessor. Alternatively, or additionally, the processor may beconfigured to execute hard-coded functionality. As such, whetherconfigured by hardware or software methods, or by a combination thereof,the processor may represent an entity (e.g., physically embodied incircuitry) capable of performing operations according to an embodimentof the present invention while configured accordingly. Alternatively, asanother example, when the processor is embodied as an executor ofsoftware instructions, the instructions may specifically configure theprocessor to perform the algorithms and/or operations described hereinwhen the instructions are executed.

In some embodiments, the apparatus 200 may include input/outputcircuitry 206 that may, in turn, be in communication with processor 202to provide output to the user and, in some embodiments, to receive anindication of a user input. The input/output circuitry 206 may comprisea user interface and may include a display and may comprise a web userinterface, a mobile application, a client device, a kiosk, or the like.In some embodiments, the input/output circuitry 206 may also include akeyboard, a mouse, a joystick, a touch screen, touch areas, soft keys, amicrophone, a speaker, or other input/output mechanisms. The processorand/or user interface circuitry comprising the processor may beconfigured to control one or more functions of one or more userinterface elements through computer program instructions (e.g., softwareand/or firmware) stored on a memory accessible to the processor (e.g.,memory 204, and/or the like).

The communications circuitry 208 may be any means such as a device orcircuitry embodied in either hardware or a combination of hardware andsoftware that is configured to receive and/or transmit data from/to anetwork and/or any other device, circuitry, or module in communicationwith the apparatus 200. In this regard, the communications circuitry 208may include, for example, a network interface for enablingcommunications with a wired or wireless communication network. Forexample, the communications circuitry 208 may include one or morenetwork interface cards, antennae, buses, switches, routers, modems, andsupporting hardware and/or software, or any other device suitable forenabling communications via a network. Additionally or alternatively,the communication interface may include the circuitry for interactingwith the antenna(s) to cause transmission of signals via the antenna(s)or to handle receipt of signals received via the antenna(s).

Promotion management circuitry 210 includes hardware configured to offerand manage promotions. The promotion management circuitry 210 mayutilize processing circuitry, such as the processor 202, to performthese actions. The promotion management circuitry 210 may receive datafrom promotion classification circuitry 212. In some implementations,the received data may be a classification specifying whether a promotionmay be redeemed over the course of multiple transactions. For example, aclassification may specify that a promotion may be redeemed over thecourse of multiple transactions. In some implementations, the promotionmanagement circuitry 210 is responsible for determining whether apromotion expired, or was previously used. In some implementations, thepromotion management circuitry 210 determines the remainder value thatmay still be redeemed for a promotion classified as a promotion may beredeemed over the course of multiple transactions.

It should also be appreciated that, in some embodiments, the promotionmanagement circuitry 210 may include a separate processor, speciallyconfigured field programmable gate array (FPGA), or application specificinterface circuit (ASIC) to offer and manage promotions. In someimplementations, promotion classification circuitry 212, describedbelow, may be sub-circuitry belonging to promotion management circuitry210. The promotion management circuitry 210 may be implemented usinghardware components of the apparatus configured by either hardware orsoftware for implementing these planned functions.

Promotion classification circuitry 212 includes hardware configured tomaintain classifications for promotions offered through the promotionalservice. In some implementations, the classifications specify whether apromotion may be redeemed over the course of multiple transactions. Insome implementations, the classifications specify whether a promotionmay be redeemed at multiple merchants. In some implementations, theclassifications specify whether a promotion may be redeemed over thecourse of multiple transactions and at multiple merchants. As describedabove, the classifications for promotions may be provided to promotionmanagement circuitry 210 in response to a request. The promotionclassification circuitry 212 may utilize processing circuitry, such asthe processor 202, to perform these actions. However, it should also beappreciated that, in some embodiments, the promotion classificationcircuitry 212 may include a separate processor, specially configuredfield programmable gate array (FPGA), or application specific interfacecircuit (ASIC) for maintain promotion classifications and providing theclassifications to promotion management circuitry 210. Similarly,payment processing circuitry 214 includes hardware configured to processpayment and facilitate redemption of promotions. In someimplementations, the payment processing circuitry 214 allow consumers toprocess payments owed to merchants. In some implementations, the paymentprocessing circuitry 214 allow consumers to redeem promotionselectronically. In some implementations, the payment processingcircuitry, receives consumer payment information transferred from aconsumer device. Again, it should also be appreciated that, in someembodiments, the payment processing circuitry 214 may include a separateprocessor, specially configured field programmable gate array (FPGA), orapplication specific interface circuit (ASIC) for processing of paymentsand promotions. Circuitry 212 and 214 may be implemented using hardwarecomponents of the apparatus configured by either hardware or softwarefor implementing these planned functions.

As will be appreciated, any such computer program instructions and/orother type of code may be loaded onto a computer, processor or otherprogrammable apparatus's circuitry to produce a machine, such that thecomputer, processor or other programmable circuitry that execute thecode on the machine create the means for implementing various functions,including those described herein.

It is also noted that all or some of the information presented by theexample displays discussed herein can be based on data that is received,generated and/or maintained by one or more components of apparatus 200.In some embodiments, one or more external systems (such as a remotecloud computing and/or data storage system) may also be leveraged toprovide at least some of the functionality discussed herein.

As described above and as will be appreciated based on this disclosure,embodiments of the present invention may be configured as methods,mobile devices, backend network devices, and the like. Accordingly,embodiments may comprise various means including entirely of hardware orany combination of software and hardware. Furthermore, embodiments maytake the form of a computer program product on at least onenon-transitory computer-readable storage medium having computer-readableprogram instructions (e.g., computer software) embodied in the storagemedium. Any suitable computer-readable storage medium may be utilizedincluding non-transitory hard disks, CD-ROMs, flash memory, opticalstorage devices, or magnetic storage devices.

Example Electronic Marketing Information Service Data Flow

FIG. 3A depicts an example data flow 300 a illustrating interactionsbetween a server 302, one or more consumer devices 304, and one or moremerchant devices 306. The server 302 may be implemented in the same or asimilar fashion as the server 104 as described above with respect toFIG. 1, the one or more consumer devices 304 may be implemented in thesame or a similar fashion as the consumer devices 108A-108N as describedabove with respect to FIG. 1, and the one or more merchant devices 306may be implemented in the same or a similar fashion as the merchantdevices 110A-110N as described above with respect to FIG. 1.

The data flow 300 a illustrates how electronic information may be passedamong various systems when employing a server 302 in accordance withembodiments of the present invention. The one or more consumer devices304 and/or one or more merchant devices 306 may provide a variety ofelectronic marketing information to the server 302 for use in providingpromotion and marketing services to the consumer. This electronicmarketing information may include, but is not limited to, location data,clickstream data, transaction data, communication channel data,historical data, review data and/or discretionary data.

As a result of transactions performed between the one or more consumerdevices 304 and the server 302, the server 302 may provide fulfillmentdata to the consumer devices. The fulfillment data may includeinformation indicating whether the transaction was successful, thelocation and time the product will be provided to the consumer,instruments for redeeming promotions purchased by the consumer, or thelike.

In addition to the e-commerce interactions with the one or more consumerdevices 304 offered by the server 302, the server 302 may leverageinformation provided by the consumer devices to improve the relevancy ofmarketing communications to individual consumers or groups of consumers.In this manner, the server 302 may determine promotions, goods, andservices that are more likely to be of interest to a particular consumeror group of consumers based on clickstream data, location data, andother information provided by and/or relating to particular consumers.For example, the server 302 may detect the location of a consumer basedon location data provided by the consumer device, and offer promotionsbased on the proximity of the consumer to the merchant associated withthose promotions.

Alternatively, the server 302 may note that the consumer has an interestin a particular hobby (e.g., skiing) based on electronic marketinginformation associated with the consumer (e.g., a browser cookie thatindicates they frequently visit websites that provide snowfall forecastsfor particular ski resorts), and offer promotions associated with thathobby (e.g., a promotion offering discounted ski equipment rentals orlift tickets). It should be appreciated that a variety of differenttypes of electronic marketing information could be provided to theserver 302 for the purpose of improving the relevancy of marketingcommunications. It should also be appreciated that this electronicmarketing information may be received from a variety of electronicsources, including various consumer devices, merchant devices, and othersources both internal and external to a promotion and marketing service.For example, other data sources may include imported contact databasesmaintained by merchants, electronic survey questions answered byconsumers, and/or various other forms of electronic data.

It should also be appreciated that the server 302 may also control otherfactors of the electronic marketing communications sent to the consumerother than the particular promotions included in the electronicmarketing communication. For example, the server 302 may determine theform, structure, frequency, and type of the electronic marketingcommunication. As with the content of the electronic marketingcommunication, these factors may be programmatically determinedaccording to various methods, factors, and processes based on electronicdata received by the server 302 for the purpose of maximizing thelikelihood that the communication will be relevant to the recipientconsumer.

The server 302 interactions with the one or more merchant devices 306may be related to enabling the merchant to market their products using apromotion and marketing service. For example, the one or more merchantdevices 306 may provide promotion data defining one or more promotionsto be offered by the promotion and marketing service on behalf of themerchant. The server 302 may receive this information and generateinformation for providing such promotions via an e-commerce interface,making the promotions available for purchase by consumers. The server302 may also receive information about products from the one or moremerchant devices 306. For example, a merchant may provide electronicmarketing information indicating particular products, product prices,inventory levels, and the like to be marketed via a promotion andmarketing service. The server 302 may receive this information andgenerate listing information to offer the indicating products toconsumers via a promotion and marketing service.

The one or more merchant devices 306 may also receive information fromthe server 302. For example, in some embodiments a merchant may obtainaccess to certain business analytic data aggregated, generated, ormaintained by the server 302. As a particular example, a merchant mightoffer to pay for consumer demographic data related to products orservices offered by the merchant. It should be appreciated, however,that a merchant may not need to list any products or services via thepromotion and marketing service in order to obtain such data. Forexample, the promotion and marketing service may enable merchants toaccess electronic marketing data offered via the promotion and marketingservice based on a subscription model. The one or more merchant devices306 may also receive electronic compensation data from the server 302.For example, when a promotion or product is sold by the promotion andmarketing service on behalf of the merchant, a portion of the receivedfunds may be transmitted to the merchant. The compensation data mayinclude information sufficient to notify the merchant that such fundsare being or have been transmitted. In some embodiments, thecompensation data may take the form of an electronic wire transferdirectly to a merchant account. In some other embodiments, thecompensation data may indicate that a promotion or product has beenpurchased, but the actual transfer of funds may occur at a later time.For example, in some embodiments, compensation data indicating the saleof a promotion may be provided immediately, but funds may not betransferred to the merchant until the promotion is redeemed by theconsumer.

FIG. 3B depicts an example data flow 300 b illustrating interactionsbetween a server 302, one or more consumer devices 304, and one or moremerchant devices 306. Data flow 300 b is generally similar to data flow300 a. In particular, data flow 300 a illustrates interactions,associated with exemplary process 600 of FIG. 6, and FIG. 8, between theserver 302, consumer devices 304 and merchant devices 306. For example,as will be described in more detail below, the consumer devices 304 mayprovide a redemption request and/or a payment processing request toserver 302. The redemption request may be for redeeming one or morepromotions. The payment processing request may be for processing apayment transaction associated with the redemption request. In someimplementations, the payment processing request includes data specifyingpayment information of a respective user of a consumer device 304. Forexample, the request may include credit card information of a user ofone of the consumer devices 304.

Merchant devices 306 may receive processing notifications from server302. For example, in response to receiving the redemption request andthe payment processing request, the server 304 may provide anotification to a merchant device 306, indicating that server 304received the requests. In turn, the merchant device 306 may provideauthorization data to the server 304, authorizing processing ofredemption request and/or the payment processing request. At this point,the server 304 may perform operations associated with the redemptionand/or the payment processing requests. In response to successfullyprocessing the redemption request and/or the payment processing request,the server 304 may provide, to consumer device 304 and the merchantdevice 306, notifications indicating that the processing of theredemption and/or payment processing requests are successful.

Embodiments advantageously provide for improvements to merchant devicesby eliminating or reducing the promotion and payment processing requiredby the merchant machines. For example, allowing consumers to redeempromotions and process payments through the promotional service reducesthe processing power requirement of the merchant devices. Since theseprocessing operations would be otherwise performed by the merchantdevices, the stress on the merchant devices is reduced.

Example Processes for Offering and Processing Promotions

FIG. 4 is a flow chart of an example process 400 for offering andprocessing promotions. The process 400 begins with providing, by a firstentity, a first promotion, to a first user device, the first promotionspecifying a redemption and a charge monetary values, the redemptionmonetary value being specified by redemption parameters of the firstpromotion and a value indicative of a total amount of funds purchased inresponse to accepting an instance of the first promotion, wherein thefunds purchased can be redeemed for offerings of one or more merchantsspecified by the promotion, the charge monetary value being a monetaryvalue charged for accepting the first promotion (402). For example, thefirst entity may be a promotional service that offers or providesconsumers with various types of promotions and promotional deals. Insome implementations, a promotion may have a redemption value that is amonetary value that may be used to redeem goods and services offered bymerchants specified by redemption parameters for the promotion.Similarly, a promotion may have a charge value that is a monetary valuethat is charged for purchasing the promotion. For example, a promotionoffering a 75% discount may have a charge value of $10 and a redemptionvalue of $40. Accordingly, a consumer may redeem goods and services thatare worth $40 while only purchasing the promotion for $10. Merchantsspecified by redemption parameters of promotions may offer a widevariety of products, goods, and services. For example, the merchant maybe a department store that is requesting transmittal of a promotion forgoods (e.g., clothing, shoes, toys, food items, camping equipment)offered by the department store. In some implementations, the promotionmay be for any of the goods offered by the department store. In someimplementations, the promotion may be for a specific type of goodsoffered by the department store (e.g., camping equipment). In someimplementations, the promotion may be for a specific item, such as, abike. Similarly, the merchant may be a service store, such as a hairsalon or a car repair shop. In such implementations, the promotions maybe for services provided by the store (e.g., haircut, hair coloring, oilchange). In some implementations, stores may offer a combination ofservices and goods.

The process 400 continues with providing a first classificationclassifying the first promotion as a promotion having a redemptionmonetary value that may be used to purchase offerings of the one or moremerchants over the course of multiple transactions (404). For example,with reference to the hair salon example and the promotion having acharge value of $10 and a redemption value of $40, the promotion may befor redemption at the hair salon and may be classified as a promotionthat may be redeemed over the course of multiple transactions.Similarly, the promotion having a charge value of $10 and a redemptionvalue of $40, may be for redemption at the department store and may beclassified as a promotion that may be redeemed over the course ofmultiple transactions.

The process 400 continues with receiving data indicative of a firstrequest to purchase one or more offerings of the one or more merchants,the one or more offering having a purchase price value that is only aportion of the redemption value. For example, with reference to the hairsalon example above, a haircut may only cost $18. A consumer may wish topurchase the haircut using the promotion having a charge value of $10and a redemption value of $40. Naturally, the $18 value is only aportion of the $40 redemption value. Similarly, the consumer may wish topurchase goods from the department store only costing $20. In turn, theprocess 400 charges, against the redemption value, the portion of theredemption value (408). For example, the process 400 may charge the $18for the hair cut against the $40 value. Similarly, the process 400 maycharge the $20 for the goods from the department store against the $40value. In some implementations, the process 400 may validate that theone or more offerings the consumer is requesting to purchase areeligible for redemption using the first promotion, prior to processingthe charge. For example, the first promotion may be for redemption onlyat the hair salon described above. Accordingly, the process 400 wouldprocess the charge associated with the request to purchase a haircutusing the first promotion. Similarly, the process 400 would not processthe charge associated with the request to purchase a bike using thefirst promotion. In some implementation, the process 400 is terminatedin response receiving a request that fails the validation process above.In some implementations, the process 400 may require receipt of anauthentication, authenticating an identity of the user providing therequest, the identity of the first user device, and the authenticity ofthe promotion (e.g., fraudulent promotion).

The process 400 continues with providing, to the first user device, amessage specifying a remainder of the redemption value that remainsavailable for purchasing offerings of the one or more merchants (410).For example, the process 400 may provide a message specifying theremainder of the $40, after charging the purchase price value againstredemption value, for display on a user device of the consumer. Withreference to the hair salon example, the process 400 may provide amessage specifying that the remainder available for purchasing offeringsof the hair salon is $22. Similarly, with reference to the departmentstore example, the process 400 may provide a message specifying that theremainder available for purchasing offerings of the department store is$20. In some implementations, the remainder available for purchasingofferings may be used to purchase offerings of a different merchant. Forexample, using the promotion to purchase or redeem the hair cut form thehair salon, the consumer may use the remainder of the redemption valueto purchase or redeem goods offered by the department store. The process400 continues at FIG. 4B (412).

The process 400 continues with storing a third value, the third valuebeing a portion of the portion of the redemption value and an amount ofrevenue allocated to the one or more merchants in response to processingthe first request (414). In some implementations, in response to everypromotion redemption, a first portion of revenue associated with theredemption is allocated to the merchant while a second portion isallocated to the promotional service. The ration of the first portion tothe second portion varies depending on one or more agreements betweenthe promotional service and the merchant. For example, the merchant maybe allocated half of the revenue, and the promotional service may beallocated half of the revenue. Different ratios of allocation may beused to suit the business needs of the promotional service and themerchant. For example, with respect to the haircut example above, thestored value specifying the revenue of the merchant may be $1.5 inresponse to the redemption of the first haircut.

In due time, the process 400 may receive data indicative of a secondrequest to purchase one or more different offerings of the one or moremerchants (416). For example, with reference to the hair salon example,the process 400 may receive a second request to use the same promotionto purchase or redeem a second haircut. Similarly, with respect to thedepartment store example, the request may be for redemption of othergoods different from the goods previously redeemed. In turn the process400 processes the second request, wherein the processing comprisescharging against the remainder of the redemption value a purchase pricevalue for the one or more different offerings of the one or moremerchants (418). For example, a second $18 may be charged against theremainder of $22 for the second haircut at the hair salon. Aftercharging the $18 against the remainder, $4 may still remain availablefor redemption. In some implementations, the remaining $4 may be used toredeem other goods or services offered by the hair salon. In someimplementations the $4 may be used to purchase other promotions. In someimplementations, the $4 may be combined with other remainders from otherpromotions. In some implementations, the $4 may be rolled over into anewly purchased promotion having the same or similar redemptionparameters. In some implementations, the $4 may be returned to thepromotional service for a refund of, at least, a portion of the $4. Forexample, the user may void the remaining $4 in exchange for $1 from thepromotional service. In some implementations, the process 400 continueswith the optional steps, shown in phantom or dashed lines, on FIG. 4C(420). In some implementations, the process 400 ends at step 418.

In some implementations, the process 400 may optionally continue withproviding, by the first entity, a second promotion, to the first userdevice, the second promotion specifying a redemption and charge monetaryvalues for the second promotion, the redemption monetary value for thesecond promotion being a value indicative of a total amount of fundspurchased in response to accepting an instance of the second promotion,wherein the funds purchased can be redeemed for offerings of second oneor more merchants specified by the promotion, the charge monetary valuefor the second promotion being a monetary value charged for acceptingthe second promotion (422). For example, the second promotions may besimilar to the promotion described with reference to 402.

In some implementations, the process 400 may optionally continue withproviding a second classification classifying the second promotion as apromotion having a redemption monetary value that may not be used topurchase offerings of the second one or more merchants over the courseof multiple transactions (424). For example, the classification of thesecond promotion may specify that the promotion is void after being usedfor a first transaction. Therefore, a second promotion having a chargevalue of $10 and a redemption value of $40 becomes void after the firsttransaction, according to the second classification. The process 400may, optionally, receive data indicative of a third request to purchaseone or more offerings of the second one or more merchants, the one ormore offerings having a purchase price value that is only a portion ofthe redemption value for the second promotion (426). The secondpromotion may also be for redemption at a hair salon or a departmentstore. For example, if the second promotion is used to redeem orpurchase the $18 haircut described above with respect to the hair salonexample, the consumer would forfeit a $22 value. Accordingly, consumersare encouraged to make purchases or redemptions that match or exceed the$40 value, in order to maximize the benefit of the second promotion.Similarly, if the second promotion is used to redeem or purchase the $20goods, described above, at the department store, the user would beforced to forfeit $20 from the redemption value of the second promotion.

The process 400 may, optionally, continue with processing the thirdrequest, wherein the processing comprises charging against theredemption value for the second promotion the entire redemption valuefor the second promotion (428). For example, the process 400 may chargethe $40 redemption value against the $40 redemption value purchasing orredeeming the hair cut prices at $18 or the department store goodspriced at $20. Similarly, the $40 redemption value is completelyconsumed in response to processing any transaction benefiting from thesecond promotion.

Finally, the process 400 may, optionally, end with storing a fourthvalue, the fourth value being a portion of the redemption value for thesecond promotion and an amount of revenue allocated to the second one ormore merchants in response to processing the third request (430). Insome implementations, merchants receive a fixed amount of revenue forpromotions classified with the second classification. For example, themerchant may receive $4 for each redemption of the promotions having thesecond classification, the redemption value of $40, and the charge valueof $10. In other implementations, merchants receive a portion of therevenue, specified by a ratio. For example, the merchant may receive 30%of the revenue associated with redemption of the second promotion. Thevalue of the merchant's portion of revenue is stored. In someimplementations, each merchant receives their collective portions ofrevenue from the promotional service periodically. For example, amerchant may receive their portion of revenue at the end of every month,week, or day. In some implementations, the merchant may receive theirportion of revenue for transactions, in response to processing eachtransaction.

Example User Interface for Facilitating Various Aspects of the Invention

FIG. 5 depicts an example user interface 500 for purchasing andredeeming promotions according to embodiments of the invention. In someimplementations, the user interface may provide an indication specifyingwhether a promotion available for purchase may be used over the courseof multiple transactions. In some implementations, the user interfaceelement 502 provides consumers with a list of purchased promotions. Insome implementations, the promotions are grouped based on a respectivetime of purchase. For example, promotions purchased last month may begrouped. Similarly, promotions purchased last year may also be grouped.In some implementations, the user is provided with user interfaceelement 504 specifying various details regarding the purchasedpromotion. For example, the user interface element 504 may display aunique number and barcode for the purchased promotion. The consumer mayalso use user interface element 504 to display an element for initiatingredemption of the promotion. In response to initiation of redemption ofthe promotion, user interface element 506 may be displayed. Userinterface element 506 may include an element for receiving a totalamount the consumer wishes to pay. The total amount may include, forexample, a price for goods purchased and a monetary value for a tip. Insome implementations, the total amount is less than the redemption valueof the promotion. In such implementation, user interface element 508 maybe displayed. In some implementations, user interface element 508specifies the remainder value 510 for the promotion as described abovewith respect to FIGS. 4A-4C. In some implementations, the redemptionvalue of the promotion may be less than the price of goods to bepurchased. In such implementations, a user interface element forprocessing a payment may be displayed. The consumer may specify amonetary amount to be processed. User interface element 508 may, then,specify that the promotion is void, or that the remainder value 510 is$0. In some implementations, the user interface 500 may facilitate othersteps and functions described in this application.

Example Processes for Processing Payments Associated with PromotionRedemption

FIG. 6 is a flow chart illustrating an example process 600 forprocessing payments associated with redemption of a promotion. Forexample, the process 600 can be incorporated in user interface 500 forredemption of promotions. The process 600 begins with receiving, fromthe first user device, a request to pay the difference between theremainder of the redemption value and the purchase price value for theone or more different offerings (602). For example, with reference tothe hair salon example above, a consumer may be redeeming a promotionhaving a $15 redemption value for an $18 priced haircut. The consumermay use user interface 500 to request to pay the difference ($2) betweenthe redemption value and the price of the haircut. In someimplementations, the consumer may provide his/her payment informationusing user interface 500. In some implementations, the consumer may havepreviously provided his/her payment information for storage at serversof the promotional service. The process 600 continues with accessingpayment information of a user of the first device (604). For example,the process 600 may access payment information of the consumer usinguser interface 500 on a mobile device of the consumer. The consumer mayprovide using the mobile device data specifying a total amount ofpayment to be processed. In some implementations, the total amount ofpayment may include a tip.

The process 600 continues with receiving, authorization, from a seconduser device, approving the request to pay the difference between theremainder of the redemption value and the purchase price value for theone or more different offerings (606). For example, with reference tothe hair salon example above, an attendant (e.g., hair stylist, a hairsalon receptionist, a cashier) may receive, at a second mobile device,an indication that the consumer imitated a process to pay the differenceusing user interface 500. In some implementations, the attendant mayreceive and review, at the second mobile device, the payment data and inresponse accept processing of the payment (610). In turn, the process600 processes a payment amount that is, at least, equal to thedetermined difference. In some implementations, the process 600processes a payment amount that is equal to the determined difference inaddition to a consumer specified tip. After processing the payment, theprocess 600 provides a message to the first user device indicating thatthe payment amount was processed successfully (612). For example, withreference to the hair salon example, the consumer may receive a messagespecifying that the $2 difference was processed successfully. Similarly,if the consumer used user interface 500 to provide an additional $3 tip,the message would indicate that $5 was processed successfully. Theprocess 600 finally provides a message to the second user deviceindicating the payment amount processed (614). For example, the process600 may provide a message to the mobile device of the hair salonattendant specifying that the $2 difference was processed successfully.Similarly, the message may specify that an additional $3 tip was alsoprocessed successfully. As described above, the promotional service mayprovide a portion of the revenue associated with processed payment tothe hair salon.

FIG. 7 is a flow chart illustrating an example process 700 forprocessing payments, from multiple user devices of multiple consumers,associated with redemption of a promotion. For example, the process 700can be incorporated in user interface 500 for redemption of promotions.The process 700 begins with receiving, from the first user device, arequest to pay a first portion of the difference between the remainderof the redemption value and the purchase price value for the one or moredifferent offerings (702). For example, two consumers may be dining at arestaurant, the promotion having the $40 redemption to redeem a sharedmeal at the restaurant. The total price of the meal may be, for example,$50. In such case, the difference between the redemption value and thetotal price for the meal is $10. In one example, the first user mayrequest to pay $5 of the difference. In a different example, the usermay request to pay $3. Yet in a different example, the user may requestto pay $5 in addition to a $6 tip. In some implementations, the consumermay provide his/her payment information using user interface 500. Insome implementations, the consumer may have previously provided his/herpayment information for storage at servers of the promotional service.The process 700 continues with accessing payment information of a userof the first device (704). For example, the process 700 may accesspayment information of the consumer using user interface 500 on a mobiledevice of the consumer. The consumer may provide using the mobile devicedata specifying a total amount of payment to be processed.

The process 700 continues with receiving, from a second user device, asecond request to pay a second portion of the difference between theremainder of the redemption value and the purchase price value for theone or more different offerings (706). For example, with respect to therestaurant example above, the second user may request to pay $5 of thedifference. In one example, the second user may request to pay $7. In adifferent example, the second user may request to pay $5 and anadditional $4 tip. In some implementations, the consumer may providehis/her payment information using user interface 500. In someimplementations, the consumer may have previously provided his/herpayment information for storage at servers of the promotional service.The process 700 continues with accessing payment information of a userof the second device (708). For example, the process 700 may accesspayment information of the consumer using user interface 500 on a mobiledevice of the consumer. The consumer may provide using the mobile devicedata specifying a total amount of payment to be processed.

The process 700 continues with receiving authorization, from a thirduser device, approving the first and second requests to pay the firstand second portions of the difference between the remainder of theredemption value and the purchase price value for the one or moredifferent offerings (710). For example, a waiter at the restaurant mayprovide authorization from his/her mobile device indicating approval ofthe first and second requests described above. Once the authorization isreceived, the process 700 processes a first payment amount that is, atleast, equal to the first portion of the difference (712). For example,the process 700 may process a payment of $5 from the first consumer. Insome implementations, an additional tip amount is also processed. Forexample, the process 700 may process an additional $6 as a tip for thewaiter according to first user input at the first user device.Similarly, the process 700 processes a second payment amount that is, atleast, equal to the second portion of the difference (714). For example,the process 700 may process a payment of $5 from the second consumer. Insome implementations, an additional tip amount is also processed. Forexample, the process 700 may process an additional $4 as a tip for thewaiter according to second user input at the second user device.

Finally the process 700 ends with providing a message to the first andthe second user devices indicating that the first and second paymentamounts processed (716). In some implementations, the process 700provides the first consumer with a message indicating the first paymentamount processed. Similarly, in some implementations, the process 700provides the second consumer with a message indicating the secondpayment amount processed. In some implementations, the process 700provides both the first and second consumers messages indicating thefirst and second amounts processed. In some implementations, the process700 provides the third user device with a message indicating the firstand second payment amounts. For example, the waiter may receive, at thethird user device that provided the authorization above, a messageindicating the first and second payment amounts. In someimplementations, the first and second consumers receive a request toprovide a rating for the merchant that the promotion was redeemed at.For example, the first and second consumers may receive a messagerequesting a rating for the restaurant. In some implementations, theconsumers can dismiss the message without providing a rating. In someimplementations, one or more of the messages above may be a pushnotification. In some implementations, a process similar to process 700may be used to process a first promotion belonging to a first and asecond promotion belonging to a second user for payment shared goods.For example, the first and second users may use the first and secondpromotions to jointly redeem a shared meal, as described above. FIG. 8depicts a graphical illustration of steps included in processingpayments associated with redemption of a promotion as discussed abovewith reference to processes 600 and 700.

Example Processes for Combining Promotions

FIG. 9 is a flow chart illustrating an example process 900 for combiningportions of two or more promotions. The process 900 begins withproviding a first classification classifying a first promotion as apromotion having a redemption monetary value for the first promotionthat may be used to purchase offerings of one or more merchants over thecourse of multiple transactions, and classifying the first promotion asa promotion that may be used in combination with other promotions (902).For example, the process 900 may provide a classification indicatingthat the first promotion may be combined with other promotions. In someimplementations, the classifications may indicate that the remainder ofthe first promotion may be combined with other promotions. For example,the first promotion may be a promotion having a charge value of $8, anda redemption value of $20 that may be redeemed at one or more foodvendors.

The process 900, similarly, provides a second classification classifyinga second promotion as a promotion having a redemption monetary value forthe second promotion that may be used to purchase offerings of one ormore merchants over the course of multiple transactions, and classifyingthe second promotion as a promotion that may be used in combination withother promotions (904). For example, the process 900 may provide aclassification indicating that the second promotion may be combined withother promotions. In some implementations, the classifications mayindicate that the remainder of the second promotion may be combined withother promotions. For example, the second promotion may be a promotionhaving a charge value of $5, and a redemption value of $10 that may beredeemed at one or more food vendors.

The process 900 continues with determining a first remainder of theredemption value for the first promotion that remains available forpurchasing offerings of the one or more merchants, in response toprocessing one or more transactions for purchasing offerings using thefirst promotion (906). For example, the first promotion may be used toredeem one or more food items having a total purchase price of $15.Accordingly, the process 900 may determine that the remainder of theredemption value for the first promotion is $5. Similarly, the process900 determines a second remainder of the redemption value for the firstpromotion that remains available for purchasing offerings of the one ormore merchants, in response to processing one or more transactions forpurchasing offerings using the second promotion (908). For example, thesecond promotion may be used to redeem one or more food items having atotal purchase price of $8. Accordingly, the process 900 may determinethat the remainder of the redemption value for the second promotion is$2. In turn, the process 900 receives a request to combine the first andsecond remainders (910). For example, a consumer may provide a requestto combine the first and second remainders using a mobile device.

In response to the request, the process 900 generates a third promotionhaving a third monetary value that is the combination of the firstremainder and the second remainder, the third monetary value being avalue that may be used to purchase offerings of one or more merchants(912). For example, the process 900 may generate a third promotionhaving a redemption value of $7 for redemption at one or more foodvendors. In turn, the process 900 provides, to a first user device, amessage indicating the redemption value of the third promotion (914).For example, the process 900 may provide to a mobile device of an ownerof the first and second promotion, a message indicating that theremainders of the first and second promotions were combined and that theredemption value of the new promotion is $7. In some implementations,the process 900 ends with optional step 916, shown in phantom or dashedlines. The process 900 in response to generating the third promotion mayvoid the first and second promotions (916). For example, once the thirdpromotion is generated, the remainders of the first and secondpromotions may no longer be available to redeem offerings.

Example Processes for Requesting Partial Refunds

In some implementations consumers may request a refund for a remainingredemption value. For example, with reference to process 900, a user mayrequest a refund for the third promotion. FIG. 10 is a flow chartillustrating an example process 1000 for requesting a refund. Theprocess 1000 is described as an optional continuation of process 900. Insome implementations, the process 1000 is implemented independently.

The process 1000 begins with receiving a request for a refund for thethird promotion (1002). For example, the user may request a refund forcombined promotion having a redemption value of $7. In response toreceiving the request, the process 1000 process a refund based on thethird redemption value (1004). For example, the process 1000 may refunda portion of the redemption value. In one implementation, the process1000 may refund $1.6. In other implementations, the process 1000 mayrefund $7. It should be understood, that a portion of the redemptionvalue may be refund, and that the portion may be chosen based on variousattributes including the charge price for the first and secondpromotion.

The process 1000 continues with voiding the third promotion, in responseto receiving the request (1006). For example, the process 1000 maydisable the third promotion, such that the consumer cannot use the thirdpromotion to redeem any offerings. Finally, the process 1000 ends withproviding a message to the first user device indicating successfulprocessing of the refund based on the third redemption value andspecifying the third redemption value and a refund amount (1008). Forexample, the process 1000 may provide a message to a mobile device ofthe belonging to the consumer, the message indicating that a refund of$1.6 was issued successfully based on the remainder redemption value of7$ for the third promotion. As described above, the process 1000 may beapplied to or in conjunction with other processes different from process900.

Example Process for Selectively Modifying Promotion Classifications

FIG. 11 is a flow chart illustrating an example process 1100 forselectively modifying classifications of promotions. The process 1100begins with determining that a programmatically expected number ofconsumers that are satisfied with a first promotion is below aparticular threshold, the first promotion being a promotion classifiedas a promotion that may not be redeemed over multiple transactions(1102). For example, the programmatically expected number of satisfiedconsumers may be determined based on a machine learning model. In oneimplementation, the programmatically expected number of satisfiedconsumers is determined according to a random forest model. Theparticular threshold may be a minimum number of satisfied users that isrequired in order to provide a promotion.

The process 1100 continues with determining that classifying the firstpromotion as a promotion that may be redeemed over multipletransactions, results in a programmatically expected number of consumersthat are satisfied with the first promotion exceeding the particularthreshold (1104). In some implementations, the particular threshold maybe specified as 80% of consumers that will accept the promotion. Forexample, the process 1100 may determine that changing the classificationof the first promotion, such that the promotion may be redeemed overmultiple transactions, will result in more than 80% of users that acceptthe promotion being satisfied with the promotion. In some embodiments,the determination is based on a machine learning model. Exemplary dataused in the machine learning model includes promotion performance in asimilar category in the same or different market, a deal channel;whether a promotion is local (e.g., food and beverage), travel related,goods, a ticket to an event, or other time specific promotions. In someembodiments, promotion performance is based upon various factors,including project sales, population density, general interest inpromotion's category, historical sales vs. refund rate, and seasonality.

The process 1100 continues with modifying the classification of thefirst promotion to indicate that the promotion may be redeemed overmultiple transactions. For example, the process 1100 may change theclassification of the first promotion to allow redemption of thepromotion over multiple transactions. The process 1100 may continue withoptional steps 1108-1114, shown in phantom or dashed lines.

In some implementations, the process 1100 continues with determiningthat a programmatically expected number of consumers that are satisfiedwith a second promotion is below a particular threshold, the firstpromotion being a promotion classified as a promotion that may not beredeemed over multiple transactions (1108). In turn, the process 1100may also determine that classifying the second promotion as a promotionthat may be redeemed over multiple transactions, results in aprogrammatically expected number of consumers that are satisfied withthe second promotion exceeding the particular threshold (1110). Forexample, the process 1100 may determine that changing the classificationof the second promotion will not affect or change the user satisfaction.The process 1100, then, maintains the classification of the secondpromotion that indicates that the promotion may be not be redeemed overmultiple transactions (1112).

Finally, the process 1100 may end with, optionally, providing the firstpromotion to consumers and not providing the second promotion toconsumers (1114). For example, the process 1100 may only providepromotions that exceed the particular threshold as described above.Accordingly, the first promotion may be provided to consumers, while thesecond promotion may be blocked.

A similar process to process 400 may also be applied to the consumer.For example, the promotional service may determine that a particularconsumer will not accept or be satisfied with a promotion, classified asa promotion that may not be redeemed over multiple transactions, basedon business analytic data associated with the consumer. In someimplementations, the promotional service may re-classify the promotionas promotion that may be redeemed over the course of multipletransactions, prior to providing the promotion to the particularconsumer. In some implementations, the promotion is provided toconsumers different from the particular consumer withoutre-classification. For example, based on business analytic data, someusers may receive the promotion classified as a promotion that may notbe used over multiple transactions, while other users may receive thesame promotion classified as a promotion that may be used over multipletransactions. In some embodiments, business analytic data comprisespromotion performance data as explained above.

FIG. 12 illustrates an exemplary random forest model for use with thepresent system, according to one embodiment. The model includes featuressuch as distance/location, the popularity of a service or product,whether the promotion relates to seasonal equipment or is restaurantrelated, whether the equipment is in season, whether the type ofpromotion has a particular price point, and whether the product isavailable online.

The exemplary random forest 1200 is composed of N trees, where N is anumber. The prediction of the random forest is the average of thepredictions from the N trees. The prediction from a tree is determinedby a root node decision (e.g., distance to provider or product) and thentraversing a logic path through the tree to a terminal leaf node basedon the decision outcome determined at each successive node along thepath. For example, in a model comprised of N trees where N is 5, therandom forest prediction is the average of all of the trees. Based on acertain threshold, for example 0.8, the prediction returns that for theparticular classification of a promotion (e.g., whether the promotioncan be redeemed over multiple transactions or not), at least 80% ofusers will accept the promotion being satisfied with the promotion. Byway of further example, if a promotion is more than 1 mile from apotential customer and the category of promotion is seasonal equipment,the promotion may receive a score of “0.” As another example, if thepromotion is more than 5 miles from the potential customer, and isrelated to a restaurant (i.e., requires the customer to travel to therestaurant), the merchant may receive a score of “0.” The exemplaryrandom forest 1200 prediction is the average of the respectivepredictions from trees 1, 2, 3, 4, and 5. In one example, tree 1 resultsin a score of “1,” tree 2 results in a score of “0,” tree 3 results in ascore of “0,” tree 4 results in a score of “0,” and tree 5 results in ascore of “1.” The average of the scores is (1+1)/5 or 0.4. Assuming anexemplary threshold for customer satisfaction is 0.8, (e.g., if thescore is greater than or equal to 0.8, the promotion will result in morethan 80% of customers being satisfied with the promotion), the promotionclassification in this example may be adjusted to try to reach thedesired threshold.

Additional Implementation Details

Although an example processing system has been described in FIG. 2,implementations of the subject matter and the functional operationsdescribed herein can be implemented in other types of digital electroniccircuitry, or in computer software, firmware, or hardware, including thestructures disclosed in this specification and their structuralequivalents, or in combinations of one or more of them.

Embodiments of the subject matter and the operations described hereincan be implemented in digital electronic circuitry, or in computersoftware, firmware, or hardware, including the structures disclosed inthis specification and their structural equivalents, or in combinationsof one or more of them. Embodiments of the subject matter describedherein can be implemented as one or more computer programs, i.e., one ormore modules of computer program instructions, encoded on computerstorage medium for execution by, or to control the operation of,information/data processing apparatus. Alternatively, or in addition,the program instructions can be encoded on an artificially-generatedpropagated signal, e.g., a machine-generated electrical, optical, orelectromagnetic signal, that is generated to encode information/data fortransmission to suitable receiver apparatus for execution by aninformation/data processing apparatus. A computer storage medium can be,or be included in, a computer-readable storage device, acomputer-readable storage substrate, a random or serial access memoryarray or device, or a combination of one or more of them. Moreover,while a computer storage medium is not a propagated signal, a computerstorage medium can be a source or destination of computer programinstructions encoded in an artificially-generated propagated signal. Thecomputer storage medium can also be, or be included in, one or moreseparate physical components or media (e.g., multiple CDs, disks, orother storage devices).

The operations described herein can be implemented as operationsperformed by an information/data processing apparatus oninformation/data stored on one or more computer-readable storage devicesor received from other sources.

The term “data processing apparatus” encompasses all kinds of apparatus,devices, and machines for processing data, including by way of example aprogrammable processor, a computer, a system on a chip, or multipleones, or combinations, of the foregoing. The apparatus can includespecial purpose logic circuitry, e.g., an FPGA (field programmable gatearray) or an ASIC (application-specific integrated circuit). Theapparatus can also include, in addition to hardware, code that createsan execution environment for the computer program in question, e.g.,code that constitutes processor firmware, a protocol stack, a databasemanagement system, an operating system, a cross-platform runtimeenvironment, a virtual machine, or a combination of one or more of them.The apparatus and execution environment can realize various differentcomputing model infrastructures, such as web services, distributedcomputing and grid computing infrastructures.

A computer program (also known as a program, software, softwareapplication, script, or code) can be written in any form of programminglanguage, including compiled or interpreted languages, declarative orprocedural languages, and it can be deployed in any form, including as astand-alone program or as a module, component, subroutine, object, orother unit suitable for use in a computing environment. A computerprogram may, but need not, correspond to a file in a file system. Aprogram can be stored in a portion of a file that holds other programsor information/data (e.g., one or more scripts stored in a markuplanguage document), in a single file dedicated to the program inquestion, or in multiple coordinated files (e.g., files that store oneor more modules, sub-programs, or portions of code). A computer programcan be deployed to be executed on one computer or on multiple computersthat are located at one site or distributed across multiple sites andinterconnected by a communication network.

The processes and logic flows described herein can be performed by oneor more programmable processors executing one or more computer programsto perform actions by operating on input information/data and generatingoutput. Processors suitable for the execution of a computer programinclude, by way of example, both general and special purposemicroprocessors, and any one or more processors of any kind of digitalcomputer. Generally, a processor will receive instructions andinformation/data from a read-only memory or a random access memory orboth. The essential elements of a computer are a processor forperforming actions in accordance with instructions and one or morememory devices for storing instructions and data. Generally, a computerwill also include, or be operatively coupled to receive information/datafrom or transfer information/data to, or both, one or more mass storagedevices for storing data, e.g., magnetic, magneto-optical disks, oroptical disks. However, a computer need not have such devices. Devicessuitable for storing computer program instructions and information/datainclude all forms of non-volatile memory, media and memory devices,including by way of example semiconductor memory devices, e.g., EPROM,EEPROM, and flash memory devices; magnetic disks, e.g., internal harddisks or removable disks; magneto-optical disks; and CD-ROM and DVD-ROMdisks. The processor and the memory can be supplemented by, orincorporated in, special purpose logic circuitry.

To provide for interaction with a user, embodiments of the subjectmatter described herein can be implemented on a computer having adisplay device, e.g., a CRT (cathode ray tube) or LCD (liquid crystaldisplay) monitor, for displaying information/data to the user and akeyboard and a pointing device, e.g., a mouse or a trackball, by whichthe user can provide input to the computer. Other kinds of devices canbe used to provide for interaction with a user as well; for example,feedback provided to the user can be any form of sensory feedback, e.g.,visual feedback, auditory feedback, or tactile feedback; and input fromthe user can be received in any form, including acoustic, speech, ortactile input. In addition, a computer can interact with a user bysending documents to and receiving documents from a device that is usedby the user; for example, by sending web pages to a web browser on auser's client device in response to requests received from the webbrowser.

Embodiments of the subject matter described herein can be implemented ina computing system that includes a back-end component, e.g., as aninformation/data server, or that includes a middleware component, e.g.,an application server, or that includes a front-end component, e.g., aclient computer having a graphical user interface or a web browserthrough which a user can interact with an implementation of the subjectmatter described herein, or any combination of one or more suchback-end, middleware, or front-end components. The components of thesystem can be interconnected by any form or medium of digitalinformation/data communication, e.g., a communication network. Examplesof communication networks include a local area network (“LAN”) and awide area network (“WAN”), an inter-network (e.g., the Internet), andpeer-to-peer networks (e.g., ad hoc peer-to-peer networks).

The computing system can include clients and servers. A client andserver are generally remote from each other and typically interactthrough a communication network. The relationship of client and serverarises by virtue of computer programs running on the respectivecomputers and having a client-server relationship to each other. In someembodiments, a server transmits information/data (e.g., an HTML page) toa client device (e.g., for purposes of displaying information/data toand receiving user input from a user interacting with the clientdevice). Information/data generated at the client device (e.g., a resultof the user interaction) can be received from the client device at theserver.

While this specification contains many specific implementation details,these should not be construed as limitations on the scope of anyinventions or of what may be claimed, but rather as descriptions offeatures specific to particular embodiments of particular inventions.Certain features that are described herein in the context of separateembodiments can also be implemented in combination in a singleembodiment. Conversely, various features that are described in thecontext of a single embodiment can also be implemented in multipleembodiments separately or in any suitable subcombination. Moreover,although features may be described above as acting in certaincombinations and even initially claimed as such, one or more featuresfrom a claimed combination can in some cases be excised from thecombination, and the claimed combination may be directed to asubcombination or variation of a subcombination.

Similarly, while operations are depicted in the drawings in a particularorder, this should not be understood as requiring that such operationsbe performed in the particular order shown or in sequential order, orthat all illustrated operations be performed, to achieve desirableresults. In certain circumstances, multitasking and parallel processingmay be advantageous. Moreover, the separation of various systemcomponents in the embodiments described above should not be understoodas requiring such separation in all embodiments, and it should beunderstood that the described program components and systems cangenerally be integrated together in a single software product orpackaged into multiple software products.

Thus, particular embodiments of the subject matter have been described.Other embodiments are within the scope of the following claims. In somecases, the actions recited in the claims can be performed in a differentorder and still achieve desirable results. In addition, the processesdepicted in the accompanying figures do not necessarily require theparticular order shown, or sequential order, to achieve desirableresults. In certain implementations, multitasking and parallelprocessing may be advantageous.

CONCLUSION

Many modifications and other embodiments of the inventions set forthherein will come to mind to one skilled in the art to which theseinventions pertain having the benefit of the teachings presented in theforegoing descriptions and the associated drawings. Therefore, it is tobe understood that the inventions are not to be limited to the specificembodiments disclosed and that modifications and other embodiments areintended to be included within the scope of the appended claims.Although specific terms are employed herein, they are used in a genericand descriptive sense only and not for purposes of limitation

The invention claimed is:
 1. An apparatus comprising at least oneprocessor and at least one non-transitory computer readable storagemedium storing instructions that, with the at least one processor, causethe apparatus to: determine, based on a random forest predictive model,that a first programmatically generated number of consumers that arepredicted to be satisfied with a first promotion is below a particularthreshold, the first promotion having a first classification classifyingthe first promotion as a promotion that may not be redeemed overmultiple transactions; determine, based on the random forest predictivemodel, that classifying the first promotion as a promotion that may beredeemed over multiple transactions results in a second programmaticallygenerated number of consumers that are predicted to be satisfied withthe first promotion that exceeds the particular threshold; and replacethe first classification of the first promotion with a secondclassification classifying the first promotion as a promotion that maybe redeemed over multiple transactions.
 2. The apparatus of claim 1,wherein the at least one non-transitory computer readable storage mediumstoring instructions that, with the at least one processor, furthercause the apparatus to: determine that a third programmaticallygenerated number of consumers that are predicted to be satisfied with asecond promotion is below a particular threshold, the second promotionhaving a third classification classifying the second promotion as apromotion that may not be redeemed over multiple transactions; determinethat classifying the second promotion as a promotion that may beredeemed over multiple transactions results in a fourth programmaticallygenerated number of consumers that are predicted to be satisfied withthe second promotion that exceeds the particular threshold; and maintainthe third classification of the second promotion that classifies thesecond promotion as a promotion that may be not be redeemed overmultiple transactions.
 3. The apparatus of claim 2 wherein the at leastone non-transitory computer readable storage medium storing instructionsthat, with the at least one processor, further cause the apparatus to:transmit the first promotion to one or more computing devices associatedwith one or more consumers of a plurality of consumers; and preventtransmission the second promotion to one or more computing devicesassociated with one or more consumers of a plurality of consumers. 4.The apparatus of claim 1, wherein the at least one non-transitorycomputer readable storage medium storing instructions that, with the atleast one processor, further cause the apparatus to: transmit fordisplay to a first user device, the first promotion, the first promotionspecifying a redemption monetary value and a charge monetary values, theredemption monetary value being specified by redemption parameters ofthe first promotion and indicative of a total amount of funds purchasedin response to accepting an instance of the first promotion, wherein thefunds purchased can be redeemed for offerings of one or more merchantsspecified by the promotion, the charge monetary value being a monetaryvalue charged for accepting the first promotion; receive a first requestto purchase one or more offerings of the one or more merchants, the oneor more offering having a purchase price value that is only a portion ofthe redemption value; process the first request, wherein the processingcomprises: charging, against the redemption value, the portion of theredemption value; transmitting for display, to the first user device, amessage specifying a remainder of the redemption value that remainsavailable for purchasing offerings of the one or more merchants; andstoring data representative of a portion of the portion of theredemption value and an amount of revenue allocated to the one or moremerchants in response to processing the first request; receive a secondrequest to purchase one or more different offerings of the one or moremerchants; and process the second request, wherein the processingcomprises charging against the remainder of the redemption value apurchase price value for the one or more different offerings of the oneor more merchants.
 5. The apparatus of claim 4, wherein the at least onenon-transitory computer readable storage medium storing instructionsthat, with the at least one processor, further cause the apparatus to:transmit for display to the first user device, a second promotion, thesecond promotion specifying a redemption charge value and a chargemonetary values for the second promotion, the redemption monetary valuefor the second promotion being specified by redemption parameters of thesecond promotion and indicative of a total amount of funds purchased inresponse to accepting an instance of the second promotion, wherein thefunds purchased can be redeemed for offerings of second one or moremerchants specified by the promotion, the charge monetary value for thesecond promotion being a monetary value charged for accepting the secondpromotion, the second promotion having a second classificationclassifying the second promotion as a promotion having a redemptionmonetary value that may not be used to purchase offerings of the secondone or more merchants over the course of multiple transactions; receivea third request to purchase one or more offerings of the second one ormore merchants, the one or more offering having a purchase price valuethat is only a portion of the redemption value for the second promotion;and process the third request, wherein the processing comprises chargingagainst the redemption value for the second promotion the entireredemption value for the second promotion.
 6. The apparatus of claim 5,wherein the processing further comprises storing data representative ofa portion of the redemption value for the second promotion and an amountof revenue allocated to the second one or more merchants in response toprocessing the third request.
 7. The apparatus of claim 1, wherein thepurchase price value is the total purchase price for the one or moredifferent offerings of the one or more merchants.
 8. The apparatus ofclaim 1, wherein the purchase price value is a portion of the totalpurchase price for the one or more different offerings of the one ormore merchants.
 9. The apparatus of claim 8, wherein the total purchaseprice for the one or more different offerings of the one or moremerchants is larger than the remainder of the redemption value.
 10. Theapparatus of claim 9, wherein the at least one non-transitory computerreadable storage medium storing instructions that, with the at least oneprocessor, further cause the apparatus to determine a difference betweenthe remainder of the redemption value and the purchase price value forthe one or more different offerings and provide to the first user devicea value indicative of the determined difference.
 11. The apparatus ofclaim 1, wherein the at least one non-transitory computer readablestorage medium storing instructions that, with the at least oneprocessor, further cause the apparatus to determine that first promotionis eligible for use with the first and second request, based onredemption parameters of the first promotion.
 12. The apparatus of claim1, wherein the at least one non-transitory computer readable storagemedium storing instructions that, with the at least one processor,further cause the apparatus to receive authentication data,authenticating, at least, one of: the first user device, authenticity ofthe first promotion, and an identity of a user of the first user device.13. The apparatus of claim 1, wherein the at least one non-transitorycomputer readable storage medium storing instructions that, with the atleast one processor, further cause the apparatus to determine a newremainder value of the redemption value, after processing the secondrequest, and issue a new promotion having the new redemption value, thenew promotion being a promotion have a different identification numberfrom the first promotion.
 14. The apparatus of claim 13, wherein the newpromotion has a different barcode from the first promotion.
 15. Theapparatus of claim 10, wherein the at least one non-transitory computerreadable storage medium storing instructions that, with the at least oneprocessor, further cause the apparatus to receive, from a second userdevice, a request to use a second promotion to pay, at least, the valueindicative of the determined difference.
 16. The apparatus of claim 10,wherein the at least one non-transitory computer readable storage mediumstoring instructions that, with the at least one processor, furthercause the apparatus to: receive, from the first user device, a requestto pay the difference between the remainder of the redemption value andthe purchase price value for the one or more different offerings; accesspayment information associated with of a user of the first device;receive authorization, from a second user device, approving the requestto pay the difference between the remainder of the redemption value andthe purchase price value for the one or more different offerings;process a payment amount that is, at least, equal to the determineddifference; and transmit for display a message to the first user deviceindicating the payment amount processed.
 17. The apparatus of claim 16,wherein the payment amount further comprises a tip amount specified byinput to the first user device.
 18. The apparatus of claim 16, whereinthe at least one non-transitory computer readable storage medium storinginstructions that, with the at least one processor, further cause theapparatus to transmit for display a message to the second user deviceindicating the payment amount processed.
 19. The apparatus of claim 16,wherein the payment amount corresponding to the difference is processedaccording to a non-promotional rate.
 20. The apparatus of claim 10,wherein the at least one non-transitory computer readable storage mediumstoring instructions that, with the at least one processor, furthercause the apparatus to: receive, from the first user device, a firstrequest to pay a first portion of the difference between the remainderof the redemption value and the purchase price value for the one or moredifferent offerings; access payment information associated with a userof the first device; receive, from a second user device, a secondrequest to pay a second portion of the difference between the remainderof the redemption value and the purchase price value for the one or moredifferent offerings; access payment information associated with a userof the second device; receive authorization, from a third user device,approving the first and second requests to pay the first and secondportions of the difference between the remainder of the redemption valueand the purchase price value for the one or more different offerings;process a payment amount that is, at least, equal to the first portionof the difference; process a payment amount that is, at least, equal tothe second portion of the difference; and transmit for display a messageto the first and the second user devices indicating that the paymentamount processed.
 21. An apparatus comprising at least one processor andat least one non-transitory computer readable storage medium storinginstructions that, with the at least one processor, cause the apparatusto: determine, based on a random forest predictive model, that a firstprogrammatically generated likelihood that a particular consumer willaccept a first promotion is below a particular threshold, the firstpromotion having a first classification classifying the first promotionas a promotion that may not be redeemed over multiple transactions;determine, based on the random forest predictive model, that classifyingthe first promotion as a promotion that may be redeemed over multipletransactions results in a second programmatically generated likelihoodthat the particular consumer will accept the first promotion thatexceeds the particular threshold; replace the first classification ofthe first promotion with a second classification classifying the firstpromotion as a promotion that may be redeemed over multipletransactions; and transmit, for display, the first promotion to a clientdevice associated with the particular consumer. computer readablestorage medium storing instructions that, with the at least oneprocessor, further cause the apparatus to determine that first promotionis eligible for use with the first and second request, based onredemption parameters of the first promotion.